480 Swan Ln, Coldwater, MI, 49036
About This Home
Welcome to this charming, turn key move-in-ready channel front cottage on beautiful Rose Lake! This inviting home features 2 bedrooms, 1 full bathroom, and a convenient laundry room, offering comfort and functionality in a peaceful waterfront setting. The open-concept floor plan provides beautiful water views right from the kitchen window, creating a bright and relaxing atmosphere. The spacious living room features a cozy wood-burning fireplace, perfect for cool evenings. A four-season bonus room overlooks the lake and provides additional space for guests, a home office, or a relaxing retreat. Recent updates include newer flooring and a newer roof, adding peace of mind and modern appeal. Whether you're looking for a year-round residence, a weekend getaway, or an investment property, this turn-key cottage is ready for you to start enjoying lake life. Don't miss this opportunity to own a charming waterfront retreat on beautiful Rose Lake!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1956
Materials
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Microwave,Oven,Range,Refrigerator,Washer,Water Softener Owned
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Crawl Space,Other
Bedroom2
- Level: Main
- Area: 110
- Dimensions: 10.00 x 11.00
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 2
Family Room
- Level: Main
- Area: 176
- Dimensions: 16.00 x 11.00
Features
- Ceiling Fan(s),LP Tank Rented,Eat-in Kitchen
- Window features: Replacement,Window Treatments
- Flooring: Laminate
- Number of fireplaces: 1
- Fireplace features: Living Room,Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
Heating & Cooling
- Heating features: Baseboard,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,202
- Total interior livable area: 1,202 sqft
Kitchen
- Level: Main
- Area: 209
- Dimensions: 19.00 x 11.00
Laundry
- Level: Main
- Area: 132
- Dimensions: 12.00 x 11.00
Living Room
- Level: Main
- Area: 198
- Dimensions: 18.00 x 11.00
Master Bathroom
- Level: Main
- Area: 48
- Dimensions: 8.00 x 6.00
Master Bedroom
- Level: Main
- Area: 110
- Dimensions: 10.00 x 11.00
Other
- Level: Main
- Area: 48
- Dimensions: 8.00 x 6.00
Property
Details
- Parcel number: 110F2000006900
Features
- Stories: 1
- On waterfront: Yes
- Waterfront features: Channel
- Waterbody name: Rose Lake
Lot
- Lot size: 8,276 sqft
- Features: Ground Cover,Shrubs/Hedges
- Lot size dimensions: 65 x 132 x 60 x 133
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Strong Wind
- Tornado
- Cold Wave
- Drought
- Hail
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Branch County and Michigan
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,137 | $13,644 |
| Home Insurance * | $120 | $1,440 |
| Property Taxes | $189 | $2,268 |
| Electricity | $188 | $2,259 |
| Total | $1,634 | $19,608 |
Income You'd Need if You Spent...
Michigan FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-16 | Contingent | $220,000 |
| 2026-08-06 | Price change | $220,000 |
| 2026-07-15 | Listed for sale | $225,000 |
| 2009-11-17 | Sold | $95,000 |
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